| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.W. TERRILL Filed as: JW TERRILL BENEFIT SERVICES | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNITED HEALTHCARE OF THE MIDWEST, INC. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TAMMY WESTHUES EIN 43-1178602 EMPLOYEE | Plan Administrator Service code 14 | — | $70K |
| J. W. TERRILL EIN 43-1526995 NONE | Insurance brokerage commissions and fees Service code 53 | — | $33K |
| SCHUCHAT, COOK & WERNER EIN 43-0763010 NONE | Legal Service code 29 | — | $29K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| BONAN PROPERTIES NONE | Other services Service code 49 | 14323 S OUTER 40 RD CHESTERFIELD, MO 63017 | $8K |
| PENSION ADMINISTRATORS AND CONSULTA NONE | Consulting (pension) Service code 17 | 1544 WOODLAKE DR CHESTERFIELD, MO 63017 | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 189 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 0 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 241 | $2K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE OF THE MIDWEST, INC. | 154 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.